mllab/smiles-2025 · Datasets at Hugging Face

query stringlengths 6 126	response stringlengths 15 719
What happens if I forget to pay my loan?	If you forget to pay your loan on time, we charge 0.1% of the overdue amount per day.
Best FX Desk years	Alfa-Bank won the Best FX Desk in Russia for 9 consecutive years, from 2012 to 2020.
Can I get an unnamed card quickly without ordering it in advance?	Yes, you can pick up an unnamed card at a branch within 10 minutes without pre-ordering. If delivery is needed, it will arrive the same day.
Need a solution where my supplier gets paid immediately	Pre-delivery factoring allows you to secure funding for your supplier before the goods arrive at your location.
stop data processing	You can withdraw your consent for data processing and request deletion if applicable.
Foreign passport accepted?	Yes, a foreign passport is accepted as an identity document if it is recognized by Russian law or an international treaty.
Premium Card cashback limit per month	The maximum cashback per month for the Alfa Premium Card under the Premium tariff is 15,000 Alfa points.
Full payment required for grace period	Yes, to avoid interest charges, the full debt must be repaid during the grace period.
Business wants to participate in Quality Seal	Join the annual Quality Seal competition by submitting your business to the bank’s own selection methodology for rewards and recognition.
named cards free or charge?	Named cards are free to obtain, just like unnamed cards. Both have no fees for transfers, payments, or cashback.
What does Bank Branch mean in Alfa-Bank?	It refers to an additional office or credit and cash office of Alfa-Bank that serves individual clients.
Is the refund operation in Russian rubles only?	Yes, the refund operation described applies to funds returned in Russian rubles by merchants for non-provision of services or other legal reasons.
Statement for accountant	The account statement can be requested through the mobile app or online banking.
How do I get cashback with my debit card?	Alfa-Bank rewards you with bonuses, miles, or up to 100% cashback for payments made with your debit card.
i dont want my data used for marketing	You can request restriction of the processing of your personal data if it is used for promotional purposes.
How to set savings goals for vacations or big purchases?	Use the “Save for anything” feature to create goals and track progress for home renovations, vacations, or new purchases.
Equity trade timing issue	Equity trades cannot be executed outside of exchange hours (10:00–18:00, Monday–Friday).
What’s Alfa Bank’s credit rating on the Chinese national scale?	On 2 February 2024, China Lianhe Credit Rating Co., Ltd assigned Alfa-Bank an AA- rating on the Chinese national scale with a Stable outlook.
is there a cashback on unnamed cards like on named?	Yes, unnamed cards include cashback up to 100% in the super cashback wheel and 5% in 4 categories (or 3 categories + 1% on all expenses).
alfa-bank structured finance for institutions	Alfa-Bank serves institutional clients with structured debt solutions, complex derivatives, and other structured finance instruments.
is there a delay between repayment and grace period reset?	Yes, the grace period updates during the day after you fully repay your balance. There is no immediate effect—wait until the system processes it.
How long does it take to get the certificate?	The certificate is sent to your email immediately upon request.
What’s the national payment system available in Alfa-Mobile?	The national payment system “MIR” is integrated into Alfa-Mobile banking.
can i use partner atms to pay off my loan?	Yes, you can repay your loan at Alfa-Bank or partner ATMs.
What currency are expense operations conducted in?	All expense operations are conducted in Russian rubles.
LPNs Programme based in the U.S.?	Yes, the programme is based in the U.S. under the U.S. 5,000,000,000 $ initiative.
Can non-residents or governments own shares in the lessee?	Yes, non-residents and/or government entities can hold up to 49% of the authorized share capital.
Weekend payment after 6pm	Transfers made after 6pm on weekends/holidays will be processed on the next business day.
what’s alfa-bank doing to honor its financial obligations?	Alfa-Bank is actively working with regulators and foreign financial institutions to find a way to fulfill its outstanding payment obligations under the Loans and LPNs.
Margin trading forex forex	Margin trading includes forex for leveraged forex positions.
How do you handle cyberattacks on data?	We detect, prevent, and eliminate the consequences of cyberattacks on personal data systems, including reacting to cybersecurity incidents promptly.
Cash-in ATMs for business	Yes, you can perform P2P and P2B payments using cash-in ATMs for business purposes.
Privacy policy oversight	The bank’s policy oversight falls on the individuals tasked with organizing personal and confidential data processing.
cash loan app steps take out a loan	In the Alfa-Bank mobile app, navigate to All my products → New account or product → Take out a loan to apply.
my card was stolen	If your card was stolen, block it in the mobile app by accessing All my products → Card → Freeze card.
available structured finance options here?	Alfa-Bank offers Hybrid Products in structured finance, which blend fixed income instruments with derivative strategies.
No OTP received	If you don’t receive an OTP, ensure your phone number is registered correctly and check with the Bank to confirm the procedure, as the exact steps are defined by the Bank.
What fees apply to equity trading?	The fee is 0.03% per transaction, with a minimum of 50 RUB. Qualified clients receive a 50% discount.
privacy policy approval	The Privacy Policy is approved by the Chairman of the Management Board under the authority specified in the bank’s charter.
Can I send USD today?	Yes, USD payments are executed same-day value.
can i order credit card without an account?	No, the mobile app and Alfa-Online require an existing account to order a credit card.
Use overpayment for a purchase?	You can use the overpaid funds directly for a purchase or withdraw them via an ATM.
book transfers same day processing	Book transfers can be processed 24/7 on business days and by 6pm Moscow time on weekends/holidays.
I am a foreigner in Russia. What proof do I submit for banking?	Foreign citizens or stateless persons are required to show documents specified by the bank during their application for services.
Certificate for my card?	Certificates can be retrieved via the Alfa-Bank app by selecting the Card account menu and then Certificates and statements.
Forex loans?	Yes, financing in major global currencies is offered.
What if my phone number changes?	If your phone number changes, update it in the Mobile Bank settings to ensure OTPs are sent to the correct number.
Violation privacy policy report	Submit your report using the feedback form on the bank’s website, specifying "Privacy Policy" as the subject.
Pay with MIR?	Use your MIR-enabled card for domestic payments and merchants accepting the national payment system.
Alfa-Bank processes all RUB payments without restrictions	For incoming payments, Alfa-Bank has no limitations. Outgoing payments require compliance with Russian law and international rules.
financial reports website	All financial and non-financial reports are published on alfabank.ru and alfabank.ru/en/.
Can I join a community with Alfa Chance?	Alfa Chance connects grant recipients with a community of successful entrepreneurs and managers for networking and mentorship.
I need a balance certificate	You can get a certificate of available balance in the mobile app or Alfa-Online.
Can I use my card in VTB Belarus?	Yes, you can withdraw cash at VTB Belarus as well as other banks participating in the BELKART payment system in Belarus.
company age requirements for leasing?	The company must have been operational for at least 2 years.
Company age requirements for leasing?	The company must have been operational for at least 2 years.
register company in russia without visiting	We assist with your company’s registration to the Russian Tax Authority without requiring a visit to Russia.
I want to avoid ATM fees. Can I use my card at Ural Bank’s machines?	Yes, you can use your card at Ural Bank for Reconstruction and Development ATMs without incurring fees.
What time is the cut-off for electronic payments in Moscow?	The cut-off time for outgoing payments received electronically is 5pm Moscow time.
How is Alfa-Online different from the Alfa-Bank app?	Alfa-Online is a mobile banking site that functions similarly to the Alfa-Bank app but doesn’t require you to download it to your device.
I didn’t get cashback after my purchase why	Possible reasons include the item being returned, not clicking the partner offer button, the cashback period not arriving yet, items already being in your cart, or missing conditions like city or minimum purchase amount requirements.
Is there a delay between repayment and grace period reset?	Yes, the grace period updates during the day after you fully repay your balance. There is no immediate effect—wait until the system processes it.
what if the underlying index crashes?	A sharp drop in the index would negatively impact the additional interest rate, potentially reducing overall returns.
Debit card PDF not working	If your downloaded certificate is not opening, ensure your device has a PDF reader. Alternatively, access the document directly in your online banking portal.
Who is eligible for real estate leasing?	Lessees must be Russian residents incorporated as legal entities or private entrepreneurs.
Repay loan online	Repay your loan online via your personal account by navigating to "Loans → Replenish account."
Can I avoid fees by buying under 500 ₽?	Yes, transactions under 500 ₽ are always exempt from quasi-cash fees.
Are fixed-income solutions tailored to individual client needs?	Yes, we focus on Customer demands.
How does the additional interest rate work?	The additional interest rate depends on the performance or behavior of the chosen underlying asset (currency, commodity, index, or stock).
what if there is no atm to cash out	If there’s no ATM, you can still pay using the mobile app to transfer funds to the seller or use a QR code to complete the payment.
Same day card activation online	Yes, your account will be opened immediately after ordering, so you can start using it for online payments and transfers the same day.
Apply for card without visiting branch	Yes, apply online via the Alfa-Bank website or through the app/Alfa-Online if you have an account.
Need a copy	Request the certificate again via the app or online banking.
Can I earn cashback for buying gold or securities?	No, purchases under brokerage, securities, or metals (MCC 6540) are excluded from cashback.
can i invest in rouble yuan pairs	Yes, the currencies supported for investment are CNY (Chinese Yuan) and RUR (Russian Rouble).
How does Alfa-Bank reduce paper usage?	Alfa-Bank switched to biometrics and digital signatures, saving 200 tons of paper annually, equivalent to 7 hectares of forest or 3,000 trees.
Can I use my Alfa-Bank card to get cash in Tajikistan?	Yes, you can withdraw cash in Tajikistan at all banks participating in the Express Pay payment system in Dushanbe City.
I need to know about currency conversion when withdrawing the deposit	When withdrawing, the deposit can be returned to an alternative currency at the conversion rate specified in the agreement, with no commission applied.
how can i check which payment systems my card uses?	You can view the payment systems available to you in the Alfa-Bank mobile app, Alfa-Online, or on the bank’s website.
request app installation	To request app installation, fill out the form on Alfa-Bank’s website or visit a bank branch for assistance.
alfa-online says “add to home screen” is missing	Ensure you’re using Safari. Open Alfa-Online in Safari, tap Share at the bottom of the screen, and select Add to Home Screen to proceed.
Can I get features for cash clearing through Alfa-Bank?	Yes, clients solidly benefit from accessing features and advantages of cooperation with Alfa-Bank in the area of cash clearing services and linked activities.
VTB Belarus cash withdrawal	Yes, you can withdraw cash at VTB Belarus in Belarus with your Alfa-Bank card.
can i get a bespoke structured finance solution?	Yes, Alfa-Bank designs individual solutions after reviewing your specific financial context.
cashback not shown in account	Confirm you made the purchase following all rules and that offers were accessed via the app or Alfa-Online. Cashback is credited on the 10th of each month.
Android app download options	You can download the Android app from our website or from Huawei AppGallery, Xiaomi Market, Galaxy Store, GetApps, RuMarket, Rustore, or NashStore.
Open foreign currency deposit	You can open deposits and savings accounts in rubles or foreign currencies entirely online via the app.
can i use the card online before receiving the physical one?	Yes, the account is opened immediately, so you can use the card for transfers and online purchases on the same day, even before the physical card arrives.
ios 12 works with alfa-bank app?	Yes, the app is compatible with iOS version 9 or higher, so iOS 12 is supported.
How to reset the interest-free days?	The grace period resets automatically during the day after you fully repay your debt. Confirm the update via the mobile app or Alfa-Online.
Monthly payment fixed?	Yes, the monthly payment for a cash loan is fixed.
Alfa-Bank member of any structured finance groups?	Alfa-Bank is affiliated with the International Capital Market Association (OJSC).
Why is verification required for Mobile Bank?	To identify the User during interactions with the Bank via Mobile Bank for operations under the Agreement.
Alfa-Bank card valid in South Ossetia	Yes, it is valid at the National Bank of the Republic of South Ossetia.
Hybrid products for liabilities	Alfa-Bank offers Hybrid Products that apply derivative strategies to address liability-side situations.
Is MIR safer?	Safety depends on the payment system’s protocols; Alpha-Bank uses secure systems for both MIR, Visa, and MasterCard.
Named vs unnamed card benefits?	Both cards have identical features: no fees, cashback up to 100% in the super cashback wheel, and 5% in 4 categories or 3 categories + 1% on everything. The only difference is the naming on the card.
activate card not working pin code	To activate your card, open the Alfa-Bank app or Alfa-Online, go to "All my products" → "Card account," and set a PIN code.
old card expiration date for online	For online transactions, continue using the original expiration date printed on your current card, even if the physical expiration is later.
can i invest through a joint account?	Structured products can be opened with joint ownership, but confirm requirements with the bank for such accounts.

What happens if I forget to pay my loan?

If you forget to pay your loan on time, we charge 0.1% of the overdue amount per day.

Best FX Desk years

Alfa-Bank won the Best FX Desk in Russia for 9 consecutive years, from 2012 to 2020.

Can I get an unnamed card quickly without ordering it in advance?

Yes, you can pick up an unnamed card at a branch within 10 minutes without pre-ordering. If delivery is needed, it will arrive the same day.

Need a solution where my supplier gets paid immediately

Pre-delivery factoring allows you to secure funding for your supplier before the goods arrive at your location.

stop data processing

You can withdraw your consent for data processing and request deletion if applicable.

Foreign passport accepted?

Yes, a foreign passport is accepted as an identity document if it is recognized by Russian law or an international treaty.

Premium Card cashback limit per month

The maximum cashback per month for the Alfa Premium Card under the Premium tariff is 15,000 Alfa points.

Full payment required for grace period

Yes, to avoid interest charges, the full debt must be repaid during the grace period.

Business wants to participate in Quality Seal

Join the annual Quality Seal competition by submitting your business to the bank’s own selection methodology for rewards and recognition.

named cards free or charge?

Named cards are free to obtain, just like unnamed cards. Both have no fees for transfers, payments, or cashback.

What does Bank Branch mean in Alfa-Bank?

It refers to an additional office or credit and cash office of Alfa-Bank that serves individual clients.

Is the refund operation in Russian rubles only?

Yes, the refund operation described applies to funds returned in Russian rubles by merchants for non-provision of services or other legal reasons.

Statement for accountant

The account statement can be requested through the mobile app or online banking.

How do I get cashback with my debit card?

Alfa-Bank rewards you with bonuses, miles, or up to 100% cashback for payments made with your debit card.

i dont want my data used for marketing

You can request restriction of the processing of your personal data if it is used for promotional purposes.

How to set savings goals for vacations or big purchases?

Use the “Save for anything” feature to create goals and track progress for home renovations, vacations, or new purchases.

Equity trade timing issue

Equity trades cannot be executed outside of exchange hours (10:00–18:00, Monday–Friday).

What’s Alfa Bank’s credit rating on the Chinese national scale?

On 2 February 2024, China Lianhe Credit Rating Co., Ltd assigned Alfa-Bank an AA- rating on the Chinese national scale with a Stable outlook.

is there a cashback on unnamed cards like on named?

Yes, unnamed cards include cashback up to 100% in the super cashback wheel and 5% in 4 categories (or 3 categories + 1% on all expenses).

alfa-bank structured finance for institutions

Alfa-Bank serves institutional clients with structured debt solutions, complex derivatives, and other structured finance instruments.

is there a delay between repayment and grace period reset?

Yes, the grace period updates during the day after you fully repay your balance. There is no immediate effect—wait until the system processes it.

How long does it take to get the certificate?

The certificate is sent to your email immediately upon request.

What’s the national payment system available in Alfa-Mobile?

The national payment system “MIR” is integrated into Alfa-Mobile banking.

can i use partner atms to pay off my loan?

Yes, you can repay your loan at Alfa-Bank or partner ATMs.

What currency are expense operations conducted in?

All expense operations are conducted in Russian rubles.

LPNs Programme based in the U.S.?

Yes, the programme is based in the U.S. under the U.S. 5,000,000,000 $ initiative.

Can non-residents or governments own shares in the lessee?

Yes, non-residents and/or government entities can hold up to 49% of the authorized share capital.

Weekend payment after 6pm

Transfers made after 6pm on weekends/holidays will be processed on the next business day.

what’s alfa-bank doing to honor its financial obligations?

Alfa-Bank is actively working with regulators and foreign financial institutions to find a way to fulfill its outstanding payment obligations under the Loans and LPNs.

Margin trading forex forex

Margin trading includes forex for leveraged forex positions.

How do you handle cyberattacks on data?

We detect, prevent, and eliminate the consequences of cyberattacks on personal data systems, including reacting to cybersecurity incidents promptly.

Cash-in ATMs for business

Yes, you can perform P2P and P2B payments using cash-in ATMs for business purposes.

Privacy policy oversight

The bank’s policy oversight falls on the individuals tasked with organizing personal and confidential data processing.

cash loan app steps take out a loan

In the Alfa-Bank mobile app, navigate to **All my products → New account or product → Take out a loan** to apply.

my card was stolen

If your card was stolen, block it in the mobile app by accessing All my products → Card → Freeze card.

available structured finance options here?

Alfa-Bank offers Hybrid Products in structured finance, which blend fixed income instruments with derivative strategies.

No OTP received

If you don’t receive an OTP, ensure your phone number is registered correctly and check with the Bank to confirm the procedure, as the exact steps are defined by the Bank.

What fees apply to equity trading?

The fee is 0.03% per transaction, with a minimum of 50 RUB. Qualified clients receive a 50% discount.

privacy policy approval

The Privacy Policy is approved by the Chairman of the Management Board under the authority specified in the bank’s charter.

Can I send USD today?

Yes, USD payments are executed same-day value.

can i order credit card without an account?

No, the mobile app and Alfa-Online require an existing account to order a credit card.

Use overpayment for a purchase?

You can use the overpaid funds directly for a purchase or withdraw them via an ATM.

book transfers same day processing

Book transfers can be processed 24/7 on business days and by 6pm Moscow time on weekends/holidays.

I am a foreigner in Russia. What proof do I submit for banking?

Foreign citizens or stateless persons are required to show documents specified by the bank during their application for services.

Certificate for my card?

Certificates can be retrieved via the Alfa-Bank app by selecting the Card account menu and then Certificates and statements.

Forex loans?

Yes, financing in major global currencies is offered.

What if my phone number changes?

If your phone number changes, update it in the Mobile Bank settings to ensure OTPs are sent to the correct number.

Violation privacy policy report

Submit your report using the feedback form on the bank’s website, specifying "Privacy Policy" as the subject.

Pay with MIR?

Use your MIR-enabled card for domestic payments and merchants accepting the national payment system.

Alfa-Bank processes all RUB payments without restrictions

For incoming payments, Alfa-Bank has no limitations. Outgoing payments require compliance with Russian law and international rules.

financial reports website

All financial and non-financial reports are published on alfabank.ru and alfabank.ru/en/.

Can I join a community with Alfa Chance?

Alfa Chance connects grant recipients with a community of successful entrepreneurs and managers for networking and mentorship.

I need a balance certificate

You can get a certificate of available balance in the mobile app or Alfa-Online.

Can I use my card in VTB Belarus?

Yes, you can withdraw cash at VTB Belarus as well as other banks participating in the BELKART payment system in Belarus.

company age requirements for leasing?

The company must have been operational for at least 2 years.

Company age requirements for leasing?

The company must have been operational for at least 2 years.

register company in russia without visiting

We assist with your company’s registration to the Russian Tax Authority without requiring a visit to Russia.

I want to avoid ATM fees. Can I use my card at Ural Bank’s machines?

Yes, you can use your card at Ural Bank for Reconstruction and Development ATMs without incurring fees.

What time is the cut-off for electronic payments in Moscow?

The cut-off time for outgoing payments received electronically is 5pm Moscow time.

How is Alfa-Online different from the Alfa-Bank app?

Alfa-Online is a mobile banking site that functions similarly to the Alfa-Bank app but doesn’t require you to download it to your device.

I didn’t get cashback after my purchase why

Possible reasons include the item being returned, not clicking the partner offer button, the cashback period not arriving yet, items already being in your cart, or missing conditions like city or minimum purchase amount requirements.

Is there a delay between repayment and grace period reset?

Yes, the grace period updates during the day after you fully repay your balance. There is no immediate effect—wait until the system processes it.

what if the underlying index crashes?

A sharp drop in the index would negatively impact the additional interest rate, potentially reducing overall returns.

Debit card PDF not working

If your downloaded certificate is not opening, ensure your device has a PDF reader. Alternatively, access the document directly in your online banking portal.

Who is eligible for real estate leasing?

Lessees must be Russian residents incorporated as legal entities or private entrepreneurs.

Repay loan online

Repay your loan online via your personal account by navigating to "Loans → Replenish account."

Can I avoid fees by buying under 500 ₽?

Yes, transactions under 500 ₽ are always exempt from quasi-cash fees.

Are fixed-income solutions tailored to individual client needs?

Yes, we focus on Customer demands.

How does the additional interest rate work?

The additional interest rate depends on the performance or behavior of the chosen underlying asset (currency, commodity, index, or stock).

what if there is no atm to cash out

If there’s no ATM, you can still pay using the mobile app to transfer funds to the seller or use a QR code to complete the payment.

Same day card activation online

Yes, your account will be opened immediately after ordering, so you can start using it for online payments and transfers the same day.

Apply for card without visiting branch

Yes, apply online via the Alfa-Bank website or through the app/Alfa-Online if you have an account.

Need a copy

Request the certificate again via the app or online banking.

Can I earn cashback for buying gold or securities?

No, purchases under brokerage, securities, or metals (MCC 6540) are excluded from cashback.

can i invest in rouble yuan pairs

Yes, the currencies supported for investment are CNY (Chinese Yuan) and RUR (Russian Rouble).

How does Alfa-Bank reduce paper usage?

Alfa-Bank switched to biometrics and digital signatures, saving 200 tons of paper annually, equivalent to 7 hectares of forest or 3,000 trees.

Can I use my Alfa-Bank card to get cash in Tajikistan?

Yes, you can withdraw cash in Tajikistan at all banks participating in the Express Pay payment system in Dushanbe City.

I need to know about currency conversion when withdrawing the deposit

When withdrawing, the deposit can be returned to an alternative currency at the conversion rate specified in the agreement, with no commission applied.

how can i check which payment systems my card uses?

You can view the payment systems available to you in the Alfa-Bank mobile app, Alfa-Online, or on the bank’s website.

request app installation

To request app installation, fill out the form on Alfa-Bank’s website or visit a bank branch for assistance.

alfa-online says “add to home screen” is missing

Ensure you’re using Safari. Open Alfa-Online in Safari, tap **Share** at the bottom of the screen, and select **Add to Home Screen** to proceed.

Can I get features for cash clearing through Alfa-Bank?

Yes, clients solidly benefit from accessing features and advantages of cooperation with Alfa-Bank in the area of cash clearing services and linked activities.

VTB Belarus cash withdrawal

Yes, you can withdraw cash at VTB Belarus in Belarus with your Alfa-Bank card.

can i get a bespoke structured finance solution?

Yes, Alfa-Bank designs individual solutions after reviewing your specific financial context.

cashback not shown in account

Confirm you made the purchase following all rules and that offers were accessed via the app or Alfa-Online. Cashback is credited on the 10th of each month.

Android app download options

You can download the Android app from our website or from Huawei AppGallery, Xiaomi Market, Galaxy Store, GetApps, RuMarket, Rustore, or NashStore.

Open foreign currency deposit

You can open deposits and savings accounts in rubles or foreign currencies entirely online via the app.

can i use the card online before receiving the physical one?

Yes, the account is opened immediately, so you can use the card for transfers and online purchases on the same day, even before the physical card arrives.

ios 12 works with alfa-bank app?

Yes, the app is compatible with iOS version 9 or higher, so iOS 12 is supported.

How to reset the interest-free days?

The grace period resets automatically during the day after you fully repay your debt. Confirm the update via the mobile app or Alfa-Online.

Monthly payment fixed?

Yes, the monthly payment for a cash loan is fixed.

Alfa-Bank member of any structured finance groups?

Alfa-Bank is affiliated with the International Capital Market Association (OJSC).

Why is verification required for Mobile Bank?

To identify the User during interactions with the Bank via Mobile Bank for operations under the Agreement.

Alfa-Bank card valid in South Ossetia

Yes, it is valid at the National Bank of the Republic of South Ossetia.

Hybrid products for liabilities

Alfa-Bank offers Hybrid Products that apply derivative strategies to address liability-side situations.

Is MIR safer?

Safety depends on the payment system’s protocols; Alpha-Bank uses secure systems for both MIR, Visa, and MasterCard.

Named vs unnamed card benefits?

Both cards have identical features: no fees, cashback up to 100% in the super cashback wheel, and 5% in 4 categories or 3 categories + 1% on everything. The only difference is the naming on the card.

activate card not working pin code

To activate your card, open the Alfa-Bank app or Alfa-Online, go to "All my products" → "Card account," and set a PIN code.

old card expiration date for online

For online transactions, continue using the original expiration date printed on your current card, even if the physical expiration is later.

can i invest through a joint account?

Structured products can be opened with joint ownership, but confirm requirements with the bank for such accounts.